Disclaimer

1. Not Financial Advice

This website provides decision-making tools and educational content about personal finance topics. We do not provide financial advice, investment recommendations, or personalized guidance.

The calculators and information presented are:

• Generic educational tools based on mathematical formulas
• Not tailored to your specific financial situation
• Not a substitute for professional financial planning
• Not endorsed by any financial institution or regulatory body

Before making any financial decision (buying property, investing, taking loans, planning retirement), you should consult with:

• Certified Financial Planners (CFP)
• Chartered Accountants (CA)
• Tax consultants
• Legal advisors
• Registered investment advisors

2. No Guarantees or Warranties

We make no representations or warranties of any kind regarding:

2.1 Accuracy of Calculations

• While we use standard financial formulas, we cannot guarantee 100% accuracy
• Calculations depend on inputs you provide and assumptions we use
• Real-world outcomes may differ significantly from calculator results
• You should independently verify all calculations before relying on them

2.2 Default Assumptions

Our calculators use default assumptions for rates of return, inflation, property appreciation, etc. These assumptions:

• Are based on historical averages and general market observations
• May not reflect future market conditions
• Vary significantly based on geography, asset class, and time period
• Should be adjusted based on your research and professional advice

2.3 Future Performance

• Past performance does not guarantee future results
• Market conditions change unpredictably
• Economic, political, and regulatory factors affect outcomes
• Calculator projections are hypothetical and not guaranteed

3. Geographic Limitations

This website is primarily designed for users in India and uses India-specific assumptions:

• Interest rates typical of Indian banks and financial institutions
• Property appreciation rates based on Indian real estate markets
• Inflation rates relevant to the Indian economy
• Investment return assumptions reflecting Indian equity and debt markets

Users outside India: Calculator results may not be applicable to your jurisdiction. Adjust all assumptions to reflect your local market conditions and consult local financial professionals.

4. Tax and Legal Considerations

Our calculators do not account for:

• Income tax implications of investments or property ownership
• Capital gains tax on property sales or investment redemptions
• Tax deductions available under various sections (80C, 80D, 24(b), etc.)
• Tax-saving investment options (ELSS, PPF, NPS, etc.)
• Legal costs, stamp duty, registration fees for property transactions
• Inheritance, estate planning, or succession laws

Tax laws change frequently and vary by individual circumstances. Always consult a qualified tax professional or Chartered Accountant before making decisions with tax implications.

5. Investment Risks

All investments carry risk, including:

• Market Risk: Asset values fluctuate and may decline
• Inflation Risk: Returns may not keep pace with inflation
• Liquidity Risk: Assets may be difficult to sell quickly
• Concentration Risk: Over-reliance on a single asset class
• Credit Risk: Borrowers or issuers may default
• Regulatory Risk: Laws and policies may change adversely

Property Investment Risks: Real estate values can decline, remain stagnant, or face liquidity issues. Property also incurs ongoing costs (maintenance, property tax, society charges) not always captured in simple calculators.

6. Calculator-Specific Disclaimers

6.1 EMI vs Rent Calculator

• Does not account for property maintenance, repairs, or renovation costs
• Does not factor in property tax, society/HOA fees, or insurance
• Assumes property appreciation and rent growth remain constant (unrealistic)
• Does not consider opportunity cost of time spent on property management
• Ignores transaction costs (stamp duty, registration, brokerage)
• Buying vs renting is not purely financial—lifestyle factors matter

6.2 FIRE Calculator

• Retirement planning involves many uncertainties (health, longevity, inflation)
• Does not account for healthcare costs, which rise significantly with age
• Assumes consistent withdrawal rates, which may not suit market volatility
• Does not factor in social security, pensions, or inheritance
• Early retirement requires significant margin of safety and contingency planning

6.3 SIP Calculator

• SIP returns are not linear—markets fluctuate significantly
• Past returns of equity/debt funds do not predict future performance
• Does not account for expense ratios, exit loads, or taxation
• Assumes you can maintain SIPs consistently (many investors stop during downturns)
• Goal achievement depends on asset allocation, fund selection, and market conditions

6.4 Loan Calculator

• Interest rates can change (for floating-rate loans)
• Does not include processing fees, insurance, or other loan charges
• Prepayment benefits depend on loan terms and may incur penalties
• Borrowing decisions should factor in income stability and emergency funds

7. No Liability for Financial Losses

We are not responsible for any financial losses, missed opportunities, or adverse outcomes resulting from:

• Decisions made based on calculator results
• Errors, inaccuracies, or omissions in calculations
• Misunderstanding of calculator outputs or methodology
• Changes in market conditions, regulations, or tax laws
• Your failure to consult qualified professionals

You use this website entirely at your own risk. See our Terms of Service for complete legal disclaimers and liability limitations.

8. No Endorsements

We do not endorse, recommend, or guarantee:

• Any specific financial products, investments, or asset classes
• Banks, financial institutions, or investment platforms
• Real estate developers, brokers, or property consultants
• Third-party services advertised on this website (e.g., Google AdSense ads)

Any advertisements displayed are served by third-party networks and do not represent our recommendations.

9. Educational Purpose Only

The primary purpose of this website is to:

• Help you understand financial concepts through interactive tools
• Show the math behind common financial decisions
• Encourage informed decision-making by exploring scenarios
• Promote financial literacy

This site shows the math. You decide. We provide tools for analysis, not answers for what you should do.

10. Regulatory Compliance

This website and its operators:

• Are not registered as financial advisors with SEBI or any regulatory body
• Do not offer investment advisory services
• Do not manage client funds or assets
• Do not receive commissions from financial products recommended (we don't recommend any)

For regulated investment advice, consult SEBI-registered investment advisors (RIA) or distributors.

11. Data and Privacy

Financial data you enter into calculators is processed locally in your browser and is not transmitted to our servers. See our Privacy Policy for details on analytics and advertising data collection.

12. Website Changes

We reserve the right to:

• Modify, update, or discontinue any calculator or feature without notice
• Change default assumptions or calculation methodologies
• Correct errors or inaccuracies at any time
• Remove content from the website

We are not obligated to maintain historical versions of calculators or notify users of changes.

13. Third-Party Information

Some content, statistics, or data on this website may be sourced from third parties. We make reasonable efforts to ensure accuracy but cannot guarantee the reliability of third-party information. Always verify critical information from authoritative sources.

14. Contact and Feedback

While we welcome feedback and error reports, we:

• Cannot provide personalized financial advice via email or contact forms
• May not respond to all inquiries
• Are not responsible for acting on suggestions or feature requests

For questions about these disclaimers, contact us at:

Email: plsbootstrapmysite@gmail.com
Website: https://bootstrapmysite.com/